View 1998 Chevrolet Cavalier Insurance Quotes

Finding better insurance prices for a Chevy Cavalier could be a lot of work, but you can learn these tips to save time.

There are more efficient ways to find car insurance online and we’ll show you the quickest way to get price quotes for a Chevy and obtain the lowest possible price from both online companies and local agents.

Buying affordable coverage is simple if you know the tricks. If you have insurance now or need a new policy, you can use these techniques to shop for the lowest rates and still get good coverage. Drivers just need to know the most efficient way to buy insurance coverage over the internet.

The method we recommend to get rate comparisons is to know most insurance companies will pay a fee to provide you with free rate quotes. All you need to do is provide a little information including level of coverage desired, if the vehicle is leased, if you went to college, and the ages of drivers. The data is automatically sent to multiple top-rated companies and they return quotes immediately.

To find the cheapest 1998 Chevy Cavalier insurance rates, click here and complete the form.

Get cheaper insurance with discounts

Some insurers do not advertise every policy discount in an easy-to-find place, so we break down some of the more common as well as some of the hidden discounts that may be available.

  • Discount for New Cars – Insuring a vehicle that is new can be considerably cheaper because new model year vehicles keep occupants safer.
  • Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes can avoid accidents and the ABS can save up to 10%.
  • Discounts for Government Workers – Having worked for a branch of the government can earn a discount up to 10% for Cavalier coverage but check with your company.
  • Telematics Discount – People who choose to allow data collection to scrutinize where and when they drive remotely like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as the data is positive.
  • Include Life Insurance and Save – If the company offers life insurance, you could get a discounted rate on car insurance if you buy auto and life insurance together.
  • Defensive Driver – Taking time to complete a course that instructs on driving safety could possibly earn you a 5% discount and also improve your driving technique.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving could save 15% on medical payment and PIP coverage.
  • Clubs and Organizations – Participating in certain professional organizations can get you a small discount on insurance.

Don’t be shocked that some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, you aren’t that lucky.

To locate insurance companies that provide some of the discounts listed above, click this link.

How car insurance companies determine Chevy Cavalier insurance prices

When buying insurance it’s important to understand a few of the rating criteria that help calculate your policy premiums. If you understand what influences your rates, this enables you to make decisions that could result in lower rates.

  • Your employer is a factor – Jobs like military generals, executives and stock brokers generally have higher premiums than the average policyholder in part from job stress and extremely grueling work hours. On the flip side, jobs such as professors, historians and homemakers receive lower rates for Cavalier coverage.
  • Raising coverage deductibles lowers costs – Comp and collision deductibles define the amount the insured will be required to pay if a claim is determined to be covered. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of covered claims are colliding with a stationary object, animal collisions, and damage from wind. The more expense you are required to pay out-of-pocket, the lower your rates will be for Cavalier coverage.
  • Your location is important – Choosing to live in small towns and rural areas is a good thing if you are looking for the lowest rates. Lower population means less chance of accidents in addition to lower liability claims Drivers in populated areas have to deal with traffic congestion and more severe claims. Spending more time driving means more chances of being involved in an auto accident.
  • The more you drive the more you pay – The more miles you rack up on your Chevy annually the more you’ll pay to insure your vehicle. Almost all companies charge rates based upon how much you drive. Vehicles used primarily for pleasure use cost less to insure than those that get driven frequently. An incorrectly rated Cavalier can cost quite a bit. Verify your insurance policy is showing the correct usage for each vehicle, because it can save money.
  • Extra policy coverages push up prices – Insurance companies have many extra bells and whistles that can add up on your insurance policy. Coverage for things like coverage for rental cars, accidental death, and additional equipment coverage may not be needed and are just wasting money. You may think they are a good idea when deciding what coverages you need, but if they’re wasting money consider taking them off your policy.
  • Marriage can save on insurance – Walking down the aisle may earn you lower rates when buying insurance. Marriage demonstrates that you tend to be more financially stable and it’s proven that being married results in fewer claims.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions might help in determining if your insurance needs may require specific advice.

  • Am I covered if I hit a deer?
  • Should I bundle my homeowners policy with my auto?
  • Should I have combined single limit or split liability limits?
  • If my 1998 Chevy Cavalier is totaled, can I afford another vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What are the financial responsibility laws in my state?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.

Do drivers who switch really save?

Consumers constantly see and hear ads that claim the lowest rates from the likes of State Farm, Allstate and GEICO. All the companies advertise the message that drivers will save a bundle after switching your policy.

Is it even possible that every company can say the same thing? Here is the trick they use.

Companies quote their cheapest rates for the type of customer that earns them a profit. For instance, a desirable risk might have to be over age 30, insures multiple vehicles, and has a short commute. Any person that fits those parameters will get the preferred premium rates and will save if they switch.

Insureds who don’t meet these standards will be quoted a more expensive rate and ends up with the customer not purchasing. If you pay attention, the ads say “drivers that switch” not “everybody who quotes” save the amount stated. That’s the way insurance companies can confidently advertise the way they do.

This emphasizes why drivers should compare quotes as often as possible. Because you cannot predict which insurance companies will have the best car insurance rates for your profile.

Coverage specifics

Understanding the coverages of a auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Chevy Cavalier.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Liability auto insurance

Liability coverage provides protection from damage that occurs to a person or their property that is your fault. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things such as funeral expenses, emergency aid, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for expenses such as ambulance fees, hospital visits, funeral costs, X-ray expenses and chiropractic care. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Collision insurance

Collision coverage pays for damage to your Cavalier from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like damaging your car on a curb, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from a tornado or hurricane, a tree branch falling on your vehicle and theft. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Buy online or local, you save

When searching for cheaper car insurance quotes, do not buy less coverage just to save a little money. There have been many cases where drivers have reduced liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.

Consumers leave their current company for many reasons like policy cancellation, high rates after DUI convictions, an unsatisfactory settlement offer and even high prices. Regardless of your reason, finding a great new company is easier than you think.

Throughout this article, we presented a lot of tips how to lower your 1998 Chevy Cavalier insurance rates. The key concept to understand is the more quotes you get, the better your chances of lowering your auto insurance rates. You may even discover the best rates are with an unexpected company.

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